Medi-Quote Blog

  • Call when you are staying longer than originally planned in your destination and need an extension.
  • Call if you decide to come home for Christmas when you had originally planned to stay at your destination.
  • Call anytime your actual travel dates do not match the dates on your policy.
  • Call if your health changes before your departure, and you want advice about how it affects the stability for a pre-existing condition.
  • Call if you are leaving soon and do not have your travel insurance yet.

Call us at 1-800-661-3098 for all your holiday travel insurance needs

Holiday Hours:
December 24th until noon CST
Closed December 25th and 26th
December 31st until noon CST
Closed January 1st

It's been a big year for us at Medi-Quote Insurance Brokers as it was our 20th anniversary as a company and we wanted to make it special. We had trips and contests, we did many things to our line of products and much more.

Arizona/Palm Springs trip with Lori, Shirley and Sandy

Each year in February we travel to the US southwest to visit our clients and to meet more Canadian snowbirds. This year, 3 of our brokers, Lori, Sandy and Shirley, made the trip down. For Sandy and Shirley it was their first time representing the company on our annual US trip. We also added Palm Springs/Palm Desert to thye places we setup a booth to meet clients. Our first year at the College of the Desert was a success and we look forward to returning this February.

We posted a full recap of the trip here.

20th Anniversary Alaskan Cruise

In March we celebrated our 20th annivesary by taking an Alaskan cruise with some of our clients. The cruise was a huge success and we knew right away that we wanted to organize more group trips through our travel agency.

You can see the highlights from this trip on a slideshow we posted to youtube.

Our next group trip will be to the Galapagos Islands in May of 2015. You can go here to learn more about that trip.

We moved our Calgary office

In April we moved our Calgary office to a new location. We stayed pretty close to the old location where we were for over 10 years. We are now just around the block, about a 2 minute drive away. The old office was an executive centre that we had to share with many other companies, while the new office is a space that we have all to ourselves. That means more offices for taking appointments and generally a nicer environment for staff and clients. Click here for more on our office move.

Travel Insurance Educational videos

This year we released our own travel insurance educational video series. We made these videos to help people understand different aspects of travel insurance and how it affects them. We hope people find them useful and perhaps can share them with friends who are in need of help with travel insurance.

Here are links to the videos in case you missed them.

Medical Underwriting and travel insurance

Pre-existing conditions and travel insurance

Understanding the costs of travel insurance

Choosing the travel insurance that's right for you

Medication changes and travel insurance

We expanded our range of products

We added more great travel insurance plans with more options for reduced stability periods and also the ability to save money by excluding coverage for pre-existing conditions if needed. We are always trying to strengthen our arsenal of travel insurance plans to fit any situation.

We expanded the functionality of our client portal

We launched our client portal a few years ago and ever since have continued to improve the functionality. This year, the biggest addition was the ability for our clients to track their medical history on the portal. This functionality helps our brokers get an accurate picture of you medical history and when the most recent change occured in order to get you the best coverage. Click here to go to the Mymediquote client portal to see for yourself.

We held some awesome contests

Like we do each year we awarded two tickets to anywhere in continental North America that Air Canada flies to the winner of our refer-a-friend contest. We have always been amazed at the amount of word of mouth recommendations that we get. And we think that should be rewarded. Click here to see the winners of this year's refer-a-friend contest and check back in the spring when we announce the next round of winners. We also ran a Facebook contest in the summer where we gave one lucky client an iPad air! Click here for the winners of the Facebook contest. And click here for our Facebook page.

Our clients continued to love what we do

We have high standards for the service we provide. We do weekly client surveys to find out how we our doing and find that we have been living up to our value proposition. We collect the kinds words of our clients in the testimonials section of our website. We are also proud to report that over 95% of customers surveyed say they would recommend us to a friend. 

We posted exclusive content on our blog

Our blog which can be found at mediquote.ca/blog was recently featured on an infographic of top 100 insurance blogs. Our blog is one of the few in the world that focus on travel insurance from a Canadian perspective. Here are some highlights from the past year.

Canadian woman receives $13,000 in medical bills after polar bear attack - why Canadians need travel insurance when travelling inside Canada

Surprising healthcare stats highlight the rising costs Canadians without health benefits face

Planning to go camping in another province? Don't forget your travel insurance

Know your policy's intoxicant exclusions

Important changes to US/Canada border rules that all Snowbirds need to know about

7 things you need to think about when shopping for travel insurance

Don't forget about your pets when buying travel insurance

Did you know that travel medical insurance is tax deductible?

We want to think all of our staff, suppliers and especially our clients for making 2014 a great year and a great anniversary.

Wondering about choosing the travel insurance that’s right for you?

Many travellers think that they have two choices to consider when buying travel insurance: buy it or don’t. But the truth is that you have a lot of options when it comes to travel insurance, and they can be a bit overwhelming.
Everything from the level of coverage, medical emergencies, trip cancellation, baggage loss, single trip, multi-trip, for you, for your family, or supplemental coverage to top up an existing plan. The best way to get the coverage that is right for you is to explore the options with an insurance professional. By understanding your travel plans and needs we can show you your options and make a recommendation for coverage that fits your needs and budget.

What are Canadians are looking for in travel insurance?
A survey conducted by RSA Travel Insurance of 2,300 Canadians revealed some of the factors that most affect a traveller when purchasing travel insurance:
Coverage - Does it provide the protection I need?
Service - Are there people there to help me when I need them? Am I confident they will be there for me if I need a Claim?
Price - Does it fit within my budget?
     
So, now you know that you have options and what most travellers are looking for in a travel insurance policy. The next question is how do you choose the right coverage for you?
The best approach is to talk to us about your needs. We can show you options on coverage and suggest the best provider to fit your situation.

To properly choose the best travel insurance coverage it helps to assess your needs. Here are some questions to ask yourself:
•    What existing coverage do I have? You may have existing coverage through your employer or a credit card. These policies will cover some, but not likely all of your insurance needs.
•    What activities will my trip involve? Some policies exclude some riskier activities like zip lining or parasailing.
•    Do I have pre-existing medical conditions? Insurance companies have rules about what they will insure you for related to existing medical conditions.
•    Will I be making multiple trips during the year? A multi-trip annual plan can often save you money and hassle.
•    Do I want trip cancellation protection? For some it’s important to know a sudden change in plans won’t leave you paying for a vacation you couldn’t take.
•    What about lost baggage protection? You don’t want a lost or stolen bag to ruin a trip.
We invite you to speak with us. Together we can answer these questions to help you determine your insurance needs.

For more information on selecting the right insurance coverage or our other travel insurance topics, please visit our website at www.mediquote.ca

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If you have paid for a condo rental before departure, and have a signed rental agreement, you may be eligible for trip cancellation or interruption insurance that will reimburse you for those expenses in the event your trip needs to be cancelled or cut short due to unforeseen circumstances.

For people who had difficulty getting coverage for their condo rental in the past, we have some good news, as we now have a plan that allows coverage for your condo rentals even if you are renting from a private individual. Previously there was a restriction that required the condo to be rented from a rental agency or from a company in order to qualify for coverage. Now that condo rentals from individuals is allowed, we can offer coverage to many many more people than before.

Just remember a couple things about insuring a condo rental:

  • It must be paid in full before your departure and not refundable.
  • You need to have receipts showing the amount of the unrecoverable costs,
  • A rental agreement showing terms and conditions.
  • The claim must result for unforeseen circumstances, typically a medical emergency, a death in the family etc. Each policy wording outlines the specific circumstances covered, make sure to discuss that with your broker and read your policy as soon as possible.

Call us to discuss getting insurance for your condo rental this winter at 1-800-661-3098.

Our blog was recently featured on an infographic of the top 100 insurance blogs. We ranked #72 on the list. Click the read more to view the full infographic with the list of top 100 insurance blogs.

 

Top 100 Insurance BlogsAn infographic by the team at Rebates zone.

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Please note that our offices will be closed to observe Remembrance Day. You can leave us a message by calling our toll free number, or by sending an email to info@mediquote.ca and we will get back to you as soon as possible when we return to work on November 12. We thank you for your understanding and hope everyone takes a moment out of their days to remember our nation's soldiers and the price they paid.

When you receive you travel insurance confirmation documents, don’t just save the wallet cards and throw the rest away! That confirmation document also acts as your income tax receipt. Many people may be surprised to learn that travel medical insurance is tax deductible as a medical expense. This one simple tip could help many people fit their travel insurance expenses into their overall yearly budget.

It’s important to note, however, that only travel medical insurance is eligible, not trip cancellation or interruption insurance.

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Wondering about Travel Insurance costs?

Are you wondering what affects the cost of travel insurance and how you can save money? In this video we will try and demystify the cost of travel insurance and help you find some ways to manage it.
There are four key factors that affect the cost of medical care, and ultimately, affect how much you pay for travel insurance:
The first factor is your age

As we age, the likelihood that we will require medical care increases. This increases the cost for travel insurance coverage. Once you reach a certain age, typically 55, insurance companies require you to fill out a medical questionnaire to review your health. Not only does it help them assess your health, but it also allows them to advise you on the best coverage to meet your medical needs.

The second factor that affects the cost of medical care is the length of your trip - The longer someone is away from their home province the more likely they will need medical care for something that can’t wait until they get home.

The next factor is your health - Simply put, the healthier you are, the lower your premium will be.  Having certain pre-existing conditions, or combinations of conditions may have drastic effects on the price of your insurance premiums. However, it will vary depending on how the insurance company views that particular pre-existing medical condition.

The last factor is your destination - The cost of healthcare at your destination can significantly impact your cost of coverage. The U.S. is the most expensive country in the world for medical care. A single day in a US hospital can run as high as $12,000!
Emergency medical transportation back to Canada from a distant or remote location can also be extremely expensive.

Many people believe that they have no control over the price they pay for travel insurance; however, there are a number of ways to save on your insurance costs:
•    Increase your deductible
•    Choose a deductible that you would feel comfortable paying out of pocket in the event you have a claim. You won’t be covered for the entire claim, but you’ll still be protected against more serious situations.
•    Ask about discounts
•    Many insurance companies offer discounts through family plans. Purchasing a family plan or buying coverage for multiple travellers at a same time can save you money over buying individual policies or coverage at different times.
Some companies offer discounts for purchasing coverage at certain times of year. Even those that don’t offer seasonal discounts will notify brokers of upcoming price changes. We can help you determine when the best time to purchase is.
•    Opt for multi-trip annual plan coverage
•    If you are taking multiple trips per year, look into a multi-trip annual plan. These plans provide coverage for trips of a set duration during a 12-month period, and often cost less than purchasing separate coverage for each trip. On top of the cost savings, you will also save yourself the hassle of purchasing a policy for each trip.
    Check your destination
If you are flexible on your destination, you may be able to save money by selecting a destination with lower medical care costs. We can help you with this.
There are also two important things to avoid in an effort to save money.
Completing your questionnaire inaccurately. Some people don’t fully disclose their medical condition, worrying it will increase their premium. But if they have a claim, any undisclosed medical condition may result in invalid coverage. Being upfront about your medical conditions will save you money in the long run.
 Going with the lowest quote. Not all coverage is the same. We can help you compare plans, deductible options and provide advice on which companies give you the best value.

We invite you to speak with us. Saving money is great; however, saving on your premium at the expense of getting the protection you need, can cost you a lot more in the long run. We’re here to help you make well-informed choices about your travel insurance coverage.
For more information on the cost of insurance or our other travel insurance topics, please visit our website at www.mediquote.ca

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Many people these days are bringing a pet when traveling south for the winter. Having your best friend with you can make a long trip much more enjoyable. Plus, you wouldn’t want your precious pooch freezing his tail off or cooped-up inside while you’re living it up in the great outdoors in beautiful weather.  For those of you who do bring a dog or even a cat with you, you should take a moment when buying travel insurance to check out your policy’s pet return benefit. Most, but not all policies contain a provision that pays for your pet’s safe return home in the event that something happens to you. It’s an added benefit that many people don’t know about, so if you’re shopping for travel insurance, ask about the pet return benefit before you buy. If you’ve already purchased your insurance, check out your policy wording to find out if a pet return benefit is included.

Tips for travelling with pets by car

Don’t leave your pet alone in a car – A car can heat up very quickly. Even with a window cracked, the heat can rise enough within 30 minutes to cause irreversible organ damage or even death. Unattended pets left alone in a car can also be targeted by thieves. Take your pets out with you, or if you must leave them in the car, make sure to leave with air conditioning on.

Make plenty of rest stops – Take frequent breaks to let your pet out to exercise and go to the bathroom. Make sure that they are wearing a collar with ID tags and use a leash.

Put your pet in the back seat – An airbag deployed on the front passenger seat could injure your pet, even if they are in a carrier.

Don’t let them stick their head out of the window – A dog sticking its head out of a moving vehicle can be injured by flying debris, or made sick by having cold air forced into their lungs.

Bring a buddy – If you’ve got someone to help with caring for your pet on your trip, you can use the washroom or buy food knowing you’ve got someone there keeping your pet safe.

Put your cat in a carrier – Cats don’t like riding in cars. Keep them in a carrier for their safety and your own. Make sure to restrain the carrier with a seat belt.

Travelling by plane

For information about travelling with pets by airplane check out some of the links below.

Government of Canada, Travelling with animals – Has good tips for getting through airport security with your pet.

Check with your airline for their specific policies regarding pets -  WestJet and Air Canada

How stuff works: 5 Tips for flying with your pet - Good general tips.

Congratulations to our Facebook contest winners! N. Hernadi from Calgary won our first prize, which was an Apple iPad air. Our 2nd place winner, J.M. Elliott of Winnipeg won a free night's hotel stay in any Starwoods Hotel in North America. D. Knight, of Calgary won our 3rd prize, a $50 credit to her next travel insurance purchase with Medi-Quote Insurance Brokers.

Like our page on Facebook or sign up for our email newsletters to learn about future contests.

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